Transaction Fees for Domestic Payments

Sending money

It's always free to send money to friends and family when you use your PayPal balance or bank account. Fees apply only if the sender uses a credit or debit card, or if you receive any payment for goods or services. There are also:

No monthly fees to maintain a PayPal account.

No setup fees.

No gateway fees.

No fees for multiple eBay and merchant tools.

Receiving purchase payments

The standard rate for receiving payments for goods and services is 5.4%.

If you receive more than $3,000.00 USD per month, you're eligible to apply for PayPal's Merchant Rate - which lowers your fees as your sales volume increases. Your fees can be as low as 4.4%, based on your previous month's sales volume.